. "Today you can get over-the-phone loans from companies that advertise on TV at interest rates that would embarrass a loan shark, [who could never be anywhere near that greedy].The joke [in the 1980s over the S&L crisis] was if you wanted to rob a bank, you were better off looting it, because armed robbery was a crime but using your friends to loot a bank was likely to not be prosecuted.Those with m" . . . .